HECS (HELP) Tax Tables
HELP (Higher Education Loan Program) formerly HECS (Higher Education Contribution Scheme) repayments are determined by your annual income and added by the Australian Taxation Office when you lodge your Tax Return. The following table outlines the repayment % based on your income.
2022-2023
| Repayment income | Repayment rate |
|---|---|
| Below $48,361 | Nil |
| $48,362 to $55,836 | 1.0% |
| $55,837 to $59,186 | 2.0% |
| $59,187 to $62,738 | 2.5% |
| $62,739 to $66,502 | 3.0% |
| $66,503 to $70,492 | 3.5% |
| $70,493 to $74,722 | 4.0% |
| $74,723 to $79,206 | 4.5% |
| $79,207 to $83,958 | 5.0% |
| $83,959 to $88,996 | 5.5% |
| $88,997 to $94,336 | 6.0% |
| $94,337 to $99,996 | 6.5% |
| $99,997 to $105,996 | 7.0% |
| $105,997 to $112,355 | 7.5% |
| $112,356.00 to $119,097 | 8.0% |
| $119,098 to $126,243 | 8.5% |
| $126,244 to $133,818 | 9.0% |
| $133,819 to $141,847 | 9.5% |
| $141,848 and above | 10.0% |
Previous Years
2021-2022
| Repayment income | Repayment rate |
|---|---|
| Below $47,014 | Nil |
| $47,014 to $54,281 | 1.0% |
| $54,282 to $57,538 | 2.0% |
| $57,539 to $60,991 | 2.5% |
| $60,992 to $64,650 | 3.0% |
| $64,651 to $68,529 | 3.5% |
| $68,530 to $72,641 | 4.0% |
| $72,642 to $77,000 | 4.5% |
| $77,001 to $81,620 | 5.0% |
| $81,621 to $86,518 | 5.5% |
| $86,519 to $91,709 | 6.0% |
| $91,710 to $97,212 | 6.5% |
| $97,213 to $103,044 | 7.0% |
| $103,045 to $109,226 | 7.5% |
| $109,227 to $115,678 | 8.0% |
| $115,679 to $122,728 | 8.5% |
| $122,729 to $130,091 | 9.0% |
| $130,092 to $137,897 | 9.5% |
| $137,898 and above | 10.0% |
2020-2021
| Repayment Income | Repayment Rate |
|---|---|
| Below $46,620 | Nil |
| $46,620 to $53,826 | 1.0% |
| $53,827 to $57,055 | 2.0% |
| $57,056 to $60,479 | 2.5% |
| $60,480 to $64,108 | 3.0% |
| $64,109 to $67,954 | 3.5% |
| $67,955 to $72,031 | 4.0% |
| $72,032 to $76,354 | 4.5% |
| $76,355 to $80,935 | 5.0% |
| $80,936 to $85,792 | 5.5% |
| $85,793 to $90,939 | 6.0% |
| $90,940 to $96,396 | 6.5% |
| $96,397 to $102,179 | 7.0% |
| $102,180 to $108,309 | 7.5% |
| $108,310 to $114,809 | 8.0% |
| $114,810 to $121,698 | 8.5% |
| $121,699 to $128,999 | 9.0% |
| $129,000 to $136,739 | 9.5% |
| $136,740 and above | 10.0% |
2019-2020
| Repayment Income | Repayment Rate |
|---|---|
| Below $45,881 | Nil |
| $45,881 to $52,974 | 1.0% |
| $52,974 to $56,152 | 2.0% |
| $56,152 to $59,522 | 2.5% |
| $59,522 to $63,093 | 3.0% |
| $63,093 to $66,878 | 3.5% |
| $66,878 to $70,891 | 4.0% |
| $70,891 to $75,145 | 4.5% |
| $75,145 to $79,653 | 5.0% |
| $79,653 to $84,433 | 5.5% |
| $84,433 to $89,499 | 6.0% |
| $89,499 to $94,869 | 6.5% |
| $94,869 to $100,561 | 7.0% |
| $100,561 to $106,594 | 7.5% |
| $106,594 to $112,990 | 8.0% |
| $112,990 to $119,770 | 8.5% |
| $119,770 to $126,956 | 9.0% |
| $126,956 to $134,573 | 9.5% |
| $134,573 and above | 10.0% |
2018-2019
| Repayment Income | Repayment Rate |
|---|---|
| Below $51,957 | Nil |
| $51,957 to $57,729 | 2.0% |
| $57,730 to $64,306 | 4.0% |
| $64,307 to $70,881 | 4.5% |
| $70,882 to $74,607 | 5.0% |
| $74,608 to $80,197 | 5.5% |
| $80,198 to $86,855 | 6.0% |
| $86,856 to $91,425 | 6.5% |
| $91,426 to $100,613 | 7.0% |
| $100,614 to $107,213 | 7.5% |
| $107,214 and above | 8.0% |
2017-2018
| Repayment Income | Repayment Rate |
|---|---|
| Below $55,874 | Nil |
| $55,874 to $62,238 | 4.0% |
| $62,239 to $68,602 | 4.5% |
| $68,603 to $72,207 | 5.0% |
| $72,208 to $77,618 | 5.5% |
| $77,619 to $84,062 | 6.0% |
| $84,063 to $88,486 | 6.5% |
| $88,487 to $97,377 | 7.0% |
| $97,378 to $103,765 | 7.5% |
| $103,766 and above | 8.0% |